JP2004326174A - Shop side device and terminal device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a food/medical expense payment means to a pensioner and the like having limited cash income over a long term by restricting usage and a monthly available amount of money. <P>SOLUTION: A card and the like issuing institution 2 sets a monthly available amount limit and usage on the basis of a contract with a user and issues a terminal device 3 such as an IC card and an SIM card to the user. The user can purchase an article or a service matching the usage at an affiliated shop of the card and the like issuing institution. This shop side device 10 searches a user information storage part 15 according to user identification information (user ID) to read the monthly available amount limit and the usage set for the user. A payment control pat 14 performs settlement if the article (rice, meat, vegetables, for example) requested for purchase by the user matches the usage (foods, for example) and a purchase total amount of this month is within the limit. The payment control part 14 reports trade contents (the user identification information, the purchased articles, a purchase amount, a purchase date, and the like) to the card and the like issuing institution 2. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a store-side device and a terminal device possessed by a user that can limit the amount of money and the usage for each predetermined period when the user purchases a product or service.
[0002]
[Prior art]
In order to reduce the damage caused by unauthorized use of credit cards, card issuers issue safety credit cards with limited usage period, usage period, usage amount, number of usages, etc., and safety credits presented at card use stores It has been proposed to check the user qualification and usage restrictions of the card and then adjust the payment of the user from a safety credit card (Patent Document 1).
[0003]
2. Description of the Related Art A system is known in which a resident can receive a loan from a financial institution based on the price of the house or land while resident in the house (Patent Document 2). The total value determined by the market value of the house or land, the life expectancy of the resident, the discount rate, and the proportion of the house or land mortgaged or sold can be calculated by lump sum or pension installment or a combination of both. In a system where a resident can reside in his home until he or she dies or prematurely relocates to it by paying the gross amount to the resident, the financial institution gives the gross amount (loan or total amount to be paid) to the resident. First calculating means for calculating an annuity, second calculating means for calculating an annuity payment amount, third calculating means for monitoring and managing assets while the resident is resident, and a mortgage to a financial institution. And a fourth calculating means for calculating a settlement or sales profit.
[0004]
A vending machine and a vending machine system capable of preventing unauthorized purchase by an unqualified person are known (Patent Document 3). The vending machine network system includes a network and a communication network, and a server computer and a vending machine that sells qualified products are connected to the network. The vending machine is provided with a card reader. When purchasing a qualified product (eg, alcohol or tobacco), the user inserts a credit card in which personal information used for the intended use and sales permission information for the qualified product are recorded into a card reader. The vending machine reads the sales permission information with a card reader, determines whether or not the qualified product can be sold, and if the vending machine is determined to be a qualified person, permits the sales of the qualified product, and If it is determined to be a person, the sale of qualified products is prohibited.
[0005]
A use-limited credit card for corporate business-related settlement is known (Patent Document 4). A corporate use limited card system in a credit card processing system, wherein a card issuing means for issuing a corporate use limited card associated with a corporate card issued to a corporation and an association of the corporate use limited card with the corporate card are provided. Association information storage means for storing the association information indicated, and identifying a corporate card associated with the corporate use limited card based on the association information, and processing the sales information about the corporate use limited card as sales information about the corporate card. Sales replacement means for replacement.
[0006]
Simultaneously satisfy the requirements of those who own real estate such as houses but have financial uncertainty about life after retirement and those who want to purchase the desired real estate under satisfactory conditions An electronic real estate transaction method and system have been proposed (Patent Document 5).
[Patent Document 1]
JP 2001-216365 A [Patent Document 2]
Registered Utility Model No. 3048667 [Patent Document 3]
JP 2002-352310 A [Patent Document 4]
Japanese Patent Application Laid-Open No. 2002-352167 [Patent Document 5]
JP 2002-259746 A
[Problems to be solved by the invention]
Generally, a user can freely use a loan or a credit within a range of a preset amount frame. For this reason, it may be consumed for inappropriate use.
[0008]
For example, a system that can guarantee payment of food expenses, medical expenses, etc. (living expenses) for a long term to those who have limited cash income, such as pensioners and students living by sending money from family members. If there is, anxiety about the cost of living is resolved and a stable life can be achieved.
[0009]
The present invention has been made in order to solve such a problem, and provides a store-side device and a terminal device that can limit a monthly usage amount and limit a target product or service. With the goal.
[0010]
[Means for Solving the Problems]
The store-side device of the present invention includes a user identification information input unit for inputting user identification information for specifying a user, and a product identification information input unit for inputting product identification information for specifying a product or a service purchased by the user. And the user identification information and the upper limit amount information on the upper limit amount that the user can use for each predetermined period, the purchase result amount information on the purchase result amount up to the present in the predetermined period, and the usage information on usage. A user information storage unit that stores the items in association with each other, a usage determining unit that determines whether a product or service related to the product identification information input by the product identification information input unit satisfies the usage, An amount determining unit that determines whether or not the purchase amount of money exceeds the upper limit amount by purchasing a product or service related to the product identification information input by the identification information input unit. Equipped with a.
[0011]
Further, the user information storage unit initializes the difference between the upper limit amount and the actual purchase amount at the end of the predetermined period as a negative actual purchase amount, so that the next time the upper limit amount cannot be used up, It can be carried over to a predetermined period.
[0012]
In addition, the store-side device of the present invention includes: user identification information for identifying a user from a terminal device; upper limit amount information relating to an upper limit amount that can be used by the user in each predetermined period; A user information receiving unit that receives actual purchase price information and usage information related to actual usage, a product identification information input unit that inputs product identification information that specifies a product or service purchased by the user, A use determining unit that determines whether a product or service related to the product identification information input by the identification information input unit satisfies the use, and a product that relates to the product identification information input by the product identification information input unit Or, an amount determining unit that determines whether the purchase performance amount exceeds the upper limit amount by purchasing a service, and a purchase amount received by the user information receiving unit. A purchase information transmitting unit that transmits, to the terminal device, purchase actual amount information related to a new actual purchase amount obtained by adding the amount of the product or service purchased by the user to the actual purchase amount pertaining to the actual amount information; .
[0013]
Thereby, the user who has the terminal device can use a plurality of stores.
[0014]
In addition, the terminal device of the present invention relates to user identification information for identifying a user, upper limit amount information relating to an upper limit amount that can be used by the user for each predetermined period, and purchase amount of money up to the present in the predetermined period. A user information storage unit that stores purchase amount information and usage information relating to usage, and a user information transmission unit that transmits the user identification information, upper limit amount information, purchase amount information, and usage information to the store-side device. A purchase information receiving unit that receives new purchase result amount information from the store-side device.
[0015]
Thereby, the user who has the terminal device can use a plurality of stores.
[0016]
Further, the user information storage unit initializes the difference between the upper limit amount and the actual purchase amount at the end of the predetermined period as a negative actual purchase amount, so that the next time the upper limit amount cannot be used up, It can be carried over to a predetermined period.
[0017]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.
[0018]
FIG. 1 is a block diagram of the store-side device according to the first embodiment of the present invention. The store-side device 10 according to the first embodiment includes, for example, a communication interface unit 11 for performing data communication with a card issuing organization (credit-providing organization) 2 via a communication network 1 such as the Internet, and a user (customer). ), A POS register unit 13, a payment control unit 14, a user identification information input unit 12 for reading user identification information (customer ID) from a terminal device (for example, an IC card, etc.) 3 And a storage unit 15. The settlement control unit 14 includes a purchase history management unit 14A, a usage determination unit 14B, and an amount determination unit 14C. The user information storage unit 15 stores user identification information 15A, upper limit amount information 15B, actual purchase amount information 15C, and usage information 15D.
[0019]
If the issuing organization 2 such as a card issues a magnetic card to a user, the user identification information input unit 12 is configured using a magnetic card reader that reads the magnetic card. In this case, the user identification information recorded on the magnetic card is read via the magnetic card reader.
[0020]
When the issuing organization 2 such as a card issues a contact type IC card to a user, the user identification information input unit 12 is configured using a contact type IC card reader. In this case, the user identification information recorded on the IC card is read via the contact type IC card reader.
[0021]
When the issuing organization 2 such as a card issues a non-contact type IC card to a user, the user identification information input unit 12 is configured using a non-contact type IC card reader. In this case, the user identification information recorded on the IC card is read via a non-contact type IC card reader.
[0022]
The user identification information read via the user identification information input unit 12 is supplied to the settlement control unit 14. The settlement control unit 14 checks whether the user identification information supplied from the user identification information input unit 12 is stored in the user information storage unit 15.
[0023]
If the corresponding user identification information is not stored in the user information storage unit 15, the settlement control unit 14 determines that the customer is a new customer and issues a card or the like via the communication interface unit 11 and the communication network 1. Access institution 2. Then, the settlement control unit 14 supplies the user identification information to the issuing institution 2 such as a card and requests the user information of the user. Here, the user information includes an upper limit amount (monthly usage limit amount) that can be used by the user in a predetermined period (for example, every month) and usage (information that specifies a product or service that can be purchased by the user). )It is included.
[0024]
When the payment control unit 14 obtains the user information of the new user (the upper limit amount information and the usage information thereof) from the issuing organization 2 such as a card for the new user, the obtained user information (the The upper limit amount information 15B and the usage information 15D) are stored in the user information storage unit 15 in association with the user identification information 15A.
[0025]
If the corresponding user identification information 15A is stored in the user information storage unit 15, that is, if the user is a registered user, the settlement control unit 14 reads the upper limit amount of the user from the user information storage unit 15. The information 15B, the actual purchase price information 15C, and the usage information 15D are read, the user identification information 15A is sent to the purchase history management unit 14A, the usage information 15D is sent to the usage determination unit 14B, and the upper limit information 15B and the actual purchase price information 15C are read. Each is supplied to the amount determination unit 14C.
[0026]
The POS register unit 13 includes a bar code reading device that reads a bar code, a tag, or the like attached to a product or the like. Information (product name and price) of the product that the user intends to purchase is supplied from the POS register unit 13 to the settlement control unit 14.
[0027]
The usage determining unit 14B determines whether or not the product that the user intends to purchase matches the usage registered as the usage information 15D. When the usage is not appropriate, the usage determining unit 14B notifies the POS register unit 13 that the usage is inappropriate. The POS register unit 13 displays on a display device (not shown) that the product cannot be purchased by using a card. When the usage is appropriate, the usage determining unit 14B notifies the purchase history management unit 14A that the usage is appropriate.
[0028]
The amount determination unit 14C calculates the amount obtained by adding the amount to be purchased this time to the actual purchase amount in a predetermined period (for example, this month) stored as the actual purchase amount information 15C for each predetermined period stored as the upper limit amount information 15B. It is checked whether the maximum amount (for example, every month) is exceeded. If the amount exceeds the upper limit, the amount determination unit 14C notifies the POS register unit 13 of that fact. The POS register unit 13 displays on a display device (not shown) that the purchase is not possible because the usage limit is exceeded. If the amount does not exceed the upper limit, the amount determination unit 14C notifies the purchase history management unit 14A of that fact.
[0029]
If the product that the user wants to purchase satisfies both the conditions of use and the upper limit amount, the purchase history management unit 14A notifies the settlement control unit 14 of the fact and performs card transaction (settlement). At the same time, the new purchase performance amount obtained by adding the price of the product purchased by the user to the purchase performance amount stored as the purchase performance amount information 15C is stored as the purchase performance amount information 15C.
[0030]
Each time a transaction (settlement) is performed by the card, the settlement control unit 14 notifies the issuing organization 2 such as a card of the transaction contents (user identification information, purchased product name, purchase price, purchase date and time). The settlement control unit 14 does not notify the transaction contents to the issuing organization 2 such as a card every time a transaction (settlement) is performed, but collectively processes the contents of the transaction for one day, for example, in a batch process in a batch process. 2 may be notified.
[0031]
As described above, the store-side device 10 according to the first embodiment performs the payment using the card possessed by the user only when the conditions of the usage and the upper limit set for each user are satisfied. Therefore, overuse of the user can be prevented. In addition, by limiting the usage to food and medical expenses, it is possible to ensure that pensioners and the like who have limited cash income can pay for food and medical expenses.
[0032]
Note that the upper limit may be set for each product. The usage may be such that a specific product (for example, an alcoholic beverage) can be excluded.
[0033]
It is assumed that the terminal device (such as a card) possessed by the user is issued by the card issuing organization 2 based on a contract between the user and the card issuing organization 2. For example, pensioners, etc. can use their own real estate as collateral or make reservations for future sales to use zero or extremely low interest rates and use cashless payments over a long period of time. Can be. The card issuing organization 2 may notify the purchase history not only to the user himself / herself but also to the guarantor by e-mail or the like.
[0034]
In the first embodiment, the configuration has been described in which the user information storage unit 15 is provided in the store-side device 10 and the user information is stored in the store, but the user information storage unit is stored in the store-side device 10. Instead of providing the user information 15, a user information storage unit may be provided in the card issuing agency 2 or a dedicated server (not shown) to store user information. With such a configuration, the user can use a plurality of stores.
[0035]
FIG. 2 is a block diagram of a store-side device and a terminal device (mobile phone) according to a second embodiment of the present invention. The store side device 20 and the terminal device (mobile phone) 30 carried by the customer can perform data communication by infrared communication.
[0036]
The store-side device 20 includes, for example, a communication interface unit 21 for performing data communication with the card issuing organization 2 via the communication network 1 such as the Internet, and a data communication unit 22 for inputting user information and outputting purchase information. , A POS register unit 23, and a settlement control unit 24.
[0037]
The settlement control unit 24 includes a purchase information transmission unit 24A that supplies purchase information including new purchase result amount information and the like to the terminal device (mobile phone) 30 via the data communication unit 22 and a terminal device ( A user information receiving unit 24B for receiving user identification information, upper limit amount information, usage information, and purchase result amount information supplied from the (mobile phone) 30 via the data communication unit 22, a usage determining unit 24C, And a determination unit 24D.
[0038]
The terminal device (mobile phone) 30 includes a telephone unit 31, a data communication unit 32, a customer-side control unit 33, and a user information storage unit 34. The customer-side control unit 33 includes a purchase information receiving unit 33A that receives purchase information including new purchase result amount information, and a user including user identification information, upper limit amount information, usage information, purchase result amount information, and the like. A user information transmitting unit 33B for transmitting information;
[0039]
When purchasing a product or the like (when paying for a price or the like), the user installs an infrared communication unit (light emitting unit and light receiving unit) (not shown) of the terminal device (mobile phone) 30 owned by the customer at the store. It faces the infrared communication unit (not shown) of the side device 20. As a result, the settlement control unit 24 and the customer-side control unit 33 enter a state in which data communication is possible via the data communication units 22 and 32.
[0040]
When data communication with the terminal device (mobile phone) 30 is enabled, the payment control unit 24 transmits a store name (or store ID) via the data communication unit 22 and issues a command for requesting user information. Send. When receiving the store name (or store ID) via the data communication unit 32, the customer-side control unit 33 displays the store name on a liquid crystal display unit (not shown) of the telephone unit 31 or the like. Thereby, the customer can confirm that the communication with the store-side device 20 is normally performed. Upon receiving the command for requesting the user information, the user information transmitting unit 33B in the customer-side control unit 33 receives the user identification information stored in the user information storage unit 34 and a predetermined period (for example, every month). From the upper limit amount information which is information on the upper limit amount that can be used, the usage information which is information for specifying a purchaseable product or service, and the purchase amount amount information which is information regarding the purchase amount up to now in the predetermined period. Is transmitted to the store-side device 20 via the data communication unit 32.
[0041]
The user information receiving unit 24B in the settlement control unit 24 receives user information (user identification information, upper limit amount information, usage information, and purchase information) supplied from the terminal device (mobile phone) 30 via the data communication unit 22. (The actual amount information, etc.), supplies the upper limit amount information and the actual purchase amount information to the amount determining unit 24D, and supplies the usage information to the usage determining unit 24C.
[0042]
The POS register unit 23 includes a bar code reading device that reads a bar code, a tag, or the like attached to a product or the like. Information (product name and price) of the product that the user intends to purchase is supplied from the POS register unit 23 to the settlement control unit 24.
[0043]
The usage determining unit 24C determines whether or not the product that the user intends to purchase matches the usage according to the usage information. When the usage is not suitable, the usage determining unit 24C notifies the POS register 23 that the usage is not suitable. The POS register unit 23 displays on a display device (not shown) that the product cannot be purchased using a terminal device (mobile phone). When the usage is appropriate, the usage determining unit 14B notifies the settlement control unit 24 that the usage is appropriate.
[0044]
The amount determination unit 24D checks whether or not the amount obtained by adding the amount to be purchased this time to the received actual purchase amount of the user exceeds the upper limit amount for each predetermined period (for example, every month). If the amount exceeds the upper limit, the amount determination unit 24D notifies the POS register unit 23 of the fact. The POS register unit 23 causes a display device (not shown) or the like to display that purchase is not possible because the usage limit is exceeded. If the amount does not exceed the upper limit, the amount determination unit 24D notifies the settlement control unit 24 of that fact.
[0045]
The settlement control unit 24 performs settlement when the product that the user intends to purchase satisfies both the usage and the upper limit. When the payment is made, the purchase information transmitting unit 24A obtains a new product or service obtained by adding the amount of the product or service purchased by the user to the actual purchase amount pertaining to the actual purchase amount information received by the user information receiving unit 24B. The purchase information including the actual purchase amount information related to the actual purchase amount is transmitted to the terminal device (mobile phone) 30 via the data communication unit 22.
[0046]
The purchase information receiving unit 33A in the customer-side control unit 33 receives purchase information (new purchase actual amount information and the like) supplied via the data communication unit 32, and uses the received purchase information to store the user information storage unit 34. To update.
[0047]
Each time a transaction (settlement) is made, the settlement control unit 24 notifies the issuing organization 2 such as a card of the details of the transaction (user identification information, purchased merchandise, purchase price, purchase date and time, etc.). The settlement control unit 24 does not notify the transaction contents to the issuing organization 2 such as a card every time a transaction (settlement) is performed, but collectively collects the contents of the transaction for one day, for example, by batch processing. 2 may be notified.
[0048]
The user information storage unit 34 in the terminal device (mobile phone) 30 may be configured using a SIM (Subscriber Identity Module) or a UIM (User Identity Module). In this case, user information (user identification information, upper limit amount information, usage information, and purchase result amount information) is stored in the SIM or UIM. Since the SIM and the UIM are IC (Integrated Circuit) cards incorporating a CPU (Central Processing Unit), a ROM (Read Only Memory), and a RAM (Random Access Memory), the customer side control unit 33 is provided in the SIM or UIM. May be configured. By adopting such a configuration, even if the customer changes the mobile phone, the user information (user identification information, upper limit amount information, usage information, purchase result, Amount information) can be used as is.
[0049]
In the present embodiment, although infrared communication (for example, IrDA: Infrared Data Association: infrared communication standard) is shown as a specific example of the data communication units 22 and 32, a configuration using a weak radio wave (for example, Bluetooth (registered trademark) or the like) is used. Configuration).
[0050]
At the end of the predetermined period, the actual purchase amount is reset, that is, the actual purchase amount is set to 0, but if that is the case, the remaining amount of the upper limit amount of the predetermined period is not used, so that the unused amount is not used. By initially setting the difference between the upper limit amount and the actual purchase amount as a negative purchase amount, it is possible to carry over the remaining amount that cannot be used up to the next predetermined period.
[0051]
【The invention's effect】
As described above, according to the present invention, a means of paying for food and medical expenses can be reliably provided over a long period of time to pensioners and the like with limited cash income. Abuse can be prevented by limiting the monthly usage amount and limiting the products and services to be used.
[Brief description of the drawings]
FIG. 1 is a block configuration diagram of a store-side device according to a first embodiment of the present invention.
FIG. 2 is a block diagram of a store-side device and a terminal device according to a second embodiment of the present invention.
[Explanation of symbols]
1 Communication network 2 Issuing organization such as card 3 Terminal device (IC card etc.)
10, 20 Store-side devices 11, 21 Communication interface unit 12 User identification information input unit 13, 23 POS register unit 14, 24 Payment control unit 14A Purchase history management unit 14B, 24C Usage determination unit 14C, 24D Amount determination unit 15 Use Information storage unit 15A user identification information 15B upper limit amount information 15C actual purchase amount information 15D usage information 22 data communication unit 24A purchase information transmission unit 30 terminal device (mobile phone)
31 telephone unit 32 data communication unit 33 customer side control unit 33A purchase information reception unit 33B user information transmission unit 34 user information storage unit

Claims (5)

A user identification information input unit for inputting user identification information for identifying a user,
A product identification information input unit for inputting product identification information for specifying a product or service to be purchased by the user;
The user identification information is associated with the upper limit amount information on the upper limit amount that can be used by the user for each predetermined period, the purchase result amount information on the purchase result amount up to the present in the predetermined period, and the usage information on usage. A user information storage unit for storing
A use determining unit that determines whether a product or service related to the product identification information input by the product identification information input unit satisfies the use,
And an amount determining unit for determining whether or not the purchase amount of money exceeds the upper limit amount by purchasing a product or service according to the product identification information input by the product identification information input unit. Store side equipment. 2. The store-side apparatus according to claim 1, wherein the user information storage unit initially sets a difference between the upper limit amount and the actual purchase amount as a negative actual purchase amount at the end of the predetermined period. User identification information for identifying a user from a terminal device, upper limit amount information relating to the upper limit amount that the user can use for a predetermined period, purchase result amount information relating to a purchase result amount up to now in the predetermined period and usage A user information receiving unit for receiving usage information according to
A product identification information input unit for inputting product identification information for specifying a product or service to be purchased by the user;
A use determining unit that determines whether the product or service according to the product identification information input by the product identification information input unit satisfies the use,
An amount determination unit that determines whether or not the purchase performance amount exceeds the upper limit amount by purchasing a product or service related to the product identification information input by the product identification information input unit,
The terminal adds the purchase performance amount information pertaining to a new purchase performance amount obtained by adding the price of the product or service purchased by the user to the purchase performance amount pertaining to the purchase performance amount information received by the user information receiving unit. A store-side device comprising: a purchase information transmitting unit that transmits the purchase information to the device. User identification information that identifies the user, upper limit amount information on the upper limit amount that the user can use for each predetermined period, purchase result amount information on the purchase result amount up to now in the above predetermined period, and usage related to usage A user information storage unit for storing information;
A user information transmitting unit for transmitting the user identification information, upper limit amount information, purchase amount information and usage information to the store-side device, and a purchase information receiving unit for receiving new purchase amount information from the store-side device. A terminal device comprising: 5. The terminal device according to claim 4, wherein the user information storage unit initially sets a difference between the upper limit amount and the actual purchase amount as a negative actual purchase amount at the end of the predetermined period.

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